Equitable Acceptance Corporation (“EAC”) does not do business directly with any consumers. EAC only does business with and through other businesses, which EAC refers to as Dealers. Consumers agree to purchase a good or service from a Dealer and to pay the Dealer over time for that good or service. EAC then, in its discretion, may acquire from the Dealer, the consumer’s payment promise. If EAC acquires the consumer’s payment promise, the consumer then makes its payments to EAC.